Citibank, N.A.

(Name of Creditor - "the Bank")

DISCLOSURE STATEMENT ON LOAN/CREDIT TRANSACTION

(As Required under R.A. 3765 Truth in Lending Act)

Name of Borrower MS. MENESES JOLLEE Account Number: 0000000007842472396

Address 4171 ROXAS STREET CAPAYA 2 Loan Booking Date: 2023-10-06

Loan Reference No. 2023-10-06-09.31.29.993041
Account Type Personal Loan

1 APPROVED LOAN AMOUNT (Amount to be financed) Php 72,000.00

2 TOTAL INTEREST (See attached computation in Annex A) Php 25,317.95

Interest on your loan is charged starting on the Loan Booking Date, which is the date your loan was approved by the Bank.

3 OTHER BANK CHARGES Php 1,750.00

a. Documentary Stamp Tax (DST) on Loan Php 0.00

b. Insurance Premium -
c. Documentary Stamp Tax (DST) on Insurance -
d. Loan Disbursement Fee 1,750.00
e. Others (Specify) -

4 ANNUAL INTEREST RATE (See attached computation in Annex A)

a. Annual Contractual Rate 21.0%
24.89%
b. Effective Annual Interest Rate
The Annual Contractual Rate is the interest that will be charged on the loan, based on a 360-day period, computed on a monthly basis wherein each
month consists of 30 days (except for the 1st month which is equal to the number of calendar days from the approval date to the next billing date).
In accordance with the Philippine Accounting Standards definition, effective interest rate (EIR) is the rate that exactly discounts estimated future cash flows
through the life of the loan to the net amount of loan proceeds (BSP Circular No. 730, S2011). The EIR includes the monthly interest, the Disbursement
Fee and DST. As such, there will be a variance between Annual Contractual Rate and the Effective Annual Interest Rate.

5 SCHEDULE OF PAYMENTS (See attached Amortization Schedule in Annex A)

a. First Payment Due Date 17 NOV 2023
b. Next Payment Due Date Every 17th of the month
c. Monthly Installment Amounts

Payable in 36 months at Php 4,126.60 for the First Monthly Installment Amount
2,712.61 for the succeeding Monthly Installment Amounts
(no. of payments)

Your first Monthly Installment Amount may be different from your succeeding Monthly Installment Amounts. The interest portion of your first Monthly Installment
Amount is pro-rated based on the number of days from the Loan Booking Date to your next Statement Date. This also includes Other Bank Charges, such as a
Disbursement Fee of P1,750 and Documentary Stamp Tax (DST) of P1.50 per P200 of your loan amount, subject to applicable laws and regulations.

6 ADDITIONAL CHARGES IN CASE CERTAIN STIPULATIONS ARE NOT MET BY THE BORROWER

“Monthly Interest Charge” or “Interest Charge” means the interest, computed using the monthly revolving interest of 2.42%
(“Monthly Interest Rate”), applied on any or all of the following: (1) on any unpaid fees and charges, and (2) on the Total Amount
Due, when my Citi Personal Loan or Citi Salary Loan is in default at 60 days past due, in which case, the Total Amount Due will
Monthly Interest Charge include any unpaid fees and charges, the past due monthly principal installment amounts and the remaining principal balance.
Such interest shall be compounded monthly and will continue to be charged until full payment of Total Amount Due plus accrued
interest.

Monthly Late Charge P500 or 6% of the Overdue Amount, whichever is higher.

Please see the Citi Personal Loan Terms and Conditions at www.citibank.com.ph/loans for the definition of Overdue Amount.
* For Citi Personal Loan only

Closure Handling Fee 4% of the unbilled principal component of the loan that is prepaid.

P1,500 will be charged for every check that is returned or that bounces due to insufficiency of funds, uncollected deposits, stop
Returned Check Fee
payment order, alterations or erasure, among others.

Attorney's Fees & Other Judicial Expenses In case of default in payment, in addition to late and interest charges, the cost of collection and/or attorney's fees and the
litigation and judicial expenses, as applicable.

C E R T I F I E D C O R R E C T:

Citibank, N.A.

TIN 000-444-734-000

I acknowledge receipt of a copy of this statement and the Citi Personal Loan Terms and Conditions prior to the consummation of the credit transaction and that I understand
and fully agree to the contents of and to be bound by the said documents. I understand that any alteration made on this form will render the document void.

I understand that the use of unsecured loans such as my Citi Personal Loan as funding / fund sources for Citi's Wealth Management products like investments or insurance is
not allowed. I hereby confirm that these loan proceeds will not be used for Citi's Wealth Management products. In the event that the loan fund has been used for the purposes
prohibited above, Citi will be entitled to do all acts and things it deems necessary to comply with its policies, including but not limited to liquidating my holdings of investments/
insurance at that time. I agree to bear all costs and expenses Citi incurs as a result thereof.

I understand that I may terminate my Citi Personal Loan account by ceasing to use all facilities and services relating to my Citi Personal Loan account, paying all Citi Personal
Loan outstanding balance and such other sums owing to the Bank under the Citi Personal Loan documents, and advising the Bank about my intention to terminate. I
understand that the Bank is entitled to, in its discretion, at any time with reasonable notice to me, terminate my Citi Personal Loan forthwith, and/or to demand immediate
payment of all monies owing in respect of my Citi Personal Loan account, whether or not I am in default of any of my obligations under the Citi Personal Loan documents and
whether or not any Citi Personal Loan outstanding balance is due and owing by me. If my Citi Personal Loan account shall be so terminated by the Bank, I must make
immediate payment of all Citi Personal Loan outstanding balance and such other sums owing to the Bank under this agreement.

(Signature of Borrower over printed name) Date ID Number

NOTICE TO BORROWER: You are entitled to a copy of this document which you shall sign.

This is a computer-generated form and if issued without any alteration, this does not require a signature.

version: November 2020

 AMORTIZATION SCHEDULE AND
COMPUTATION OF EFFECTIVE ANNUAL INTEREST RATE
DECLINING BALANCE METHOD
(Annex A)

Account Number 0000000007842472396

Approved Loan Amount Php 72,000.00 Total Interest Php 25,317.95

Annual Contractual Rate 21.0% Disbursement Fee & Loan DST Php 1,750.00
Loan Period / Tenor (in months) 36 Effective Annual Interest Rate 24.89%

Installment Principal Interest Monthly Installment Amount

1 Php 1,452.60 Php 924.00 Php 2,376.60

2 Php 1,478.03 Php 1,234.58 Php 2,712.61
3 Php 1,503.90 Php 1,208.71 Php 2,712.61
4 Php 1,530.21 Php 1,182.40 Php 2,712.61
5 Php 1,556.99 Php 1,155.62 Php 2,712.61
6 Php 1,584.24 Php 1,128.37 Php 2,712.61
7 Php 1,611.96 Php 1,100.65 Php 2,712.61
8 Php 1,640.17 Php 1,072.44 Php 2,712.61
9 Php 1,668.88 Php 1,043.73 Php 2,712.61
10 Php 1,698.08 Php 1,014.53 Php 2,712.61
11 Php 1,727.80 Php 984.81 Php 2,712.61
12 Php 1,758.04 Php 954.57 Php 2,712.61
13 Php 1,788.80 Php 923.81 Php 2,712.61
14 Php 1,820.10 Php 892.51 Php 2,712.61
15 Php 1,851.96 Php 860.65 Php 2,712.61
16 Php 1,884.37 Php 828.24 Php 2,712.61
17 Php 1,917.34 Php 795.27 Php 2,712.61
18 Php 1,950.90 Php 761.71 Php 2,712.61
19 Php 1,985.04 Php 727.57 Php 2,712.61
20 Php 2,019.77 Php 692.84 Php 2,712.61
21 Php 2,055.12 Php 657.49 Php 2,712.61
22 Php 2,091.09 Php 621.52 Php 2,712.61
23 Php 2,127.68 Php 584.93 Php 2,712.61
24 Php 2,164.91 Php 547.70 Php 2,712.61
25 Php 2,202.80 Php 509.81 Php 2,712.61
26 Php 2,241.35 Php 471.26 Php 2,712.61
27 Php 2,280.57 Php 432.04 Php 2,712.61
28 Php 2,320.48 Php 392.13 Php 2,712.61
29 Php 2,361.09 Php 351.52 Php 2,712.61
30 Php 2,402.41 Php 310.20 Php 2,712.61
31 Php 2,444.45 Php 268.16 Php 2,712.61
32 Php 2,487.23 Php 225.38 Php 2,712.61
33 Php 2,530.76 Php 181.85 Php 2,712.61
34 Php 2,575.04 Php 137.57 Php 2,712.61
35 Php 2,620.11 Php 92.50 Php 2,712.61
36 Php 2,665.73 Php 46.88 Php 2,712.61
37 Php 0.00 Php 0.00 Php 0.00
38 Php 0.00 Php 0.00 Php 0.00
39 Php 0.00 Php 0.00 Php 0.00
40 Php 0.00 Php 0.00 Php 0.00
41 Php 0.00 Php 0.00 Php 0.00
42 Php 0.00 Php 0.00 Php 0.00
43 Php 0.00 Php 0.00 Php 0.00
44 Php 0.00 Php 0.00 Php 0.00
45 Php 0.00 Php 0.00 Php 0.00
46 Php 0.00 Php 0.00 Php 0.00
47 Php 0.00 Php 0.00 Php 0.00
48 Php 0.00 Php 0.00 Php 0.00
49 Php 0.00 Php 0.00 Php 0.00
50 Php 0.00 Php 0.00 Php 0.00
51 Php 0.00 Php 0.00 Php 0.00
52 Php 0.00 Php 0.00 Php 0.00
53 Php 0.00 Php 0.00 Php 0.00
54 Php 0.00 Php 0.00 Php 0.00
55 Php 0.00 Php 0.00 Php 0.00
56 Php 0.00 Php 0.00 Php 0.00
57 Php 0.00 Php 0.00 Php 0.00
58 Php 0.00 Php 0.00 Php 0.00
59 Php 0.00 Php 0.00 Php 0.00
60 Php 0.00 Php 0.00 Php 0.00

The first Monthly Installment Amount includes a one-time disbursement fee of P1,750 and your Loan DST, which is computed at P1.50 for every P200.00 of your loan. Please
refer to your copy of the Disclosure Statement for the breakdown of fees applied to your installment loan.

NOTE: In case you missed payment for the Minimum Amount Due of your Citi Personal Loan account for three (3) consecutive months, your account will be considered in
default, the unbilled principal amount of your outstanding loan/s will be billed in full, and your outstanding loan/s will no longer follow the amortization schedule in your
Disclosure Statement. For more details, please refer to your copy of the Citi Personal Loan Terms and Conditions.